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Internet Banking in Terms of Profitability: The Case of Northern Cyprus Banks

Jude Chimezie Nwobodo

Submitted to the Institute of Graduate Studies and Research In Partial Fulfilment of the Requirements for the Degree of

Master of Science in Banking and Finance

Eastern Mediterranean University June 2011 Gazimağusa, North Cyprus

Approval of the Institute of Graduate Studies and Research

Prof. Dr. Elvan Yılmaz Director

I certify that this thesis satisfies the requirements as a thesis for the degree of Master of Science in Banking and Finance.

Assoc. Prof. Dr. Salih Katircioglu Chair, Department of Banking and Finance

We certify that we have read this thesis and that in our opinion it is fully adequate in scope and quality as a thesis for the degree of Master of Science in Banking and Finance.

Asst. Prof. Dr. Nesrin Ozatac Supervisor

Examining Committee 1. Assoc. Prof. Dr. Salih Katircioglu 2. Asst. Prof. Dr. Eralp Bektas 3. Asst. Prof. Dr. Nesrin Ozatac

ABSTRACT

In Northern Cyprus, many if not all different bank services are being provided for their customers. Banking activities on the small Island in rather perfect and it is very flexible in satisfying and meeting the persistent wants of the general public. Currently, North Cyprus banks have gone ahead of traditional ways of banking. Newer products and services are being developed through electronic ways or electronic platforms (online banking), by using different delivery channels to reach the end users. The principle aim of this study is to analyze the empirical test of whether banks offering Internet banking are profitable, and to help fill essential space in knowledge concerning profitability, cost efficiency and other characteristics based on Banks perspectives for adopting internet banking system A panel data from 22 retail banks operating in Turkish Republic of Northern Cyprus (KKTC), comprising of 1 Public Bank, 14 Private Banks and 7 Foreign Branch Banks. These banks have adopted Internet banking some time between 1997 and 2010. Our dataset is drawn from the year-end aggregate income statements and balance sheets compiled by the Central Bank of Northern Cyprus. It covers a period of six years ranging from 2004 to 2009

Keywords: Profitability, internet banking and North Cyprus

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ÖZ

Kuzey Kıbrıs Türk Cumhuriyetinde

birçok banka çok çeşitli bankacılık

hizmeti vermektedir. Bu hizmetler, küçük bir ada ülkesi olan KKTC’de yaşayan banka müşterilerinin beklentilerini oldukça tatmin etmektedir. Son zamanlarda KKTC bankacılık hizmetleri geneleksel bankacılık uygulamalarını dışına çıkmaya başlamış, yeni ürünler özellikle elektronik altyapı ile müşterilere ulaştırılmaya çalışılmaktadır. Bu çalışma, KKTC e-bankacılık uygulamalarının banka karlılıkları üzerinde etki yaratıp yaratmadığını görmek amacını içermektedir. Internet bankacılığı uygulayan bankalarla uygulamayanlar, karlılık açısından mevcut olan farklılıkları ortaya çıkarmaya çalışılmaktadır. KKTC’de faaliyet gösteren 22 Ticari Banka incelenmeye alınmış ve panel data yöntemi ile 14 yerli banka, 7 şübe bankası ve 1 kamu bankası dikkate alınarak analiz yapılmıştır. Analiz 2003 ve 2009 yılları arasını içermekte ve internet

bankacılığının banka karlılığı üzerinde positif bir etki oluştuğu kanısına varılmamıştır.

Anahtar Kelimeler: Karlılık, internet bankacılığı( e-bankacılık), Kuzey Kıbrıs

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ACKNOWLEDGMENTS

I would like to thank Asst. Prof. Dr. Nesrin Ozatac for her continuous support and guidance in the preparation of this study. Without her invaluable supervision, all my efforts could have been short-sighted and I consider myself blessed to be under her supervision. I am thankful to the entire staff in the department especially the Department Chair, Assoc. Prof. Dr. Salih Katircioglu for his assistance. Special thanks also to my special friend Nigar Taspinar for her enormous assistance and encouragement in completing this study. I wouldn’t fail to...
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